The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,595
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$304/mo
Today · 4.125%
HK$10,197
baseline
▲ 0.50% · 4.625%
HK$10,817
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,394/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,674
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$291/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,844
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,502/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,514
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$364/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,980
+HK$744/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,472/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,809
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$348/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$712/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,433
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$424/mo
Today · 4.125%
HK$14,275
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,550/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,944
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$406/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,581
+HK$830/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,502/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,271
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,808
−HK$546/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,213
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$523/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,067/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$41,658 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).